智能风控决策系统交易版（TOFD）

芯盾时代智能风控决策系统-交易版Online Fraud Detection For Transaction (TOFD)集数据对接、数据处理、可视化规则配置、规则部署、规则执行、规则监控、规则调优等规则的全生命周期管理功能于一体，支持可视化配置，业务或风控人员无需精通技术也无需依赖IT团队，即可实现风控策略部署；内置5000余组专家风控规则，可结合业务需求，进行灵活适配，实现冷启动；支持丰富的风险图报表和灵活的案件处理流程，便于事后人工分析和追溯，打造风控闭环，有效甄别各种类型的交易欺诈，大幅提高金融机构的业务抗风险能力。

产品功能

决策模型中心提供可视化风控规则设计器，无需编码通过鼠标点选即可快速实现复杂的规则，业务人员亦可轻松上手。更重要的是，基于上百家客户实战经验，积累了5000+专家规则库，覆盖20+种业务渠道，50+种动账/非动账类交易类型和10+种欺诈风险类别。

风险分析中心提供各类基于风险事件的图表和报表，使风控人员更加洞悉风险态势，持续提升风控能力；提供整套系统的效能监控报表、规则运行报表、模型监控报表和模型结果可视化展示等功能，为系统调优提供科学依据。

案件管理中心将系统自动决策与人工事后分析有效结合，实现对核查单的“分单→初审→复审→归档→沉淀黑灰名单”完整闭环。

应用场景

防虚假开户

防止黑灰产通过购买大量个人身份信息，结合打码平台和自动化黑产工具，绕过现有远程开户认证方式，进行批量虚假开户。
防身份盗用

防止黑灰产利用钓鱼木马诱导用户输入账户信息或者利用互联网已泄露用户密码信息到银行手机APP尝试登录，从而进一步窃取余额、交易记录等其他信息。
防盗转盗刷

防止黑灰产通过撞库、伪基站、钓鱼木马、改装POS等获取账户信息，利用短信劫持、空中拦截等窃取验证码，盗取资金。
防洗钱

防止不法分子分散存入、地下钱庄洗钱、网络赌博、投资洗钱、转移境外等洗钱活动。

产品特色

可视化规则设计

将规则的组成结构原子化为指标、计算符和阈值，通过预置的计算方法、计算指标模板等构建灵活、自由、多样的配置框架，适配风控业务需求。

图表化效果监控

通过风险大盘、欺诈关联图谱、风控详情、效能分析，帮助风控人员快速定位风险，洞察风险态势，有效发现欺诈行为，与黑灰产欺诈形成持久对抗。

案件化事件溯源

支持对系统自动识别的高风险事件、分行或网点上报的高风险事件和客服上报高风险事件进行单独管理。通过人工对风险事件最终认定和打标签，沉淀知识库，为持续优化风控效果提供科学依据。

专业化风控规则

基于数百家金融客户实战经验构建预置5000余组规则的专家库，覆盖虚假开户、身份盗用、资金盗刷、套现欺诈、洗钱、薅羊毛、团伙欺诈等几十种典型风险类型。

Products & Services

Human-Centered Zero Trust Business Security Protection System

Home > Products > Intelligent Risk Control Decision (IRD) > Online Fraud Detection For Transaction (TOFD)

Online Fraud Detection For Transaction (TOFD)

Trusfort's TOFD product integrates life cycle management functions of data docking, data processing, visual rule configuration, rule deployment, rule execution, rule monitoring, rule evolutionary operation, etc. It supports visual configuration, so business or risk control personnel can deploy risk control strategies without having to be proficient in technology and relying on IT teams. It has more than 5000 sets of expert risk control rules built-in, thus it can be flexibly adapted to meet business needs and conduct cold start. It supports aboundant risk map reports and flexible case handling process for facilitating manual analysis and tracing afterwards and creating a closed-loop risk control process. It can effectively identify all types of transaction fraud and greatly improve the ability of anti-risk for financial institutions' business.

Functions

Decision Management Center The product provides a visual risk control rule designer which doesn't need to code as complex rules can be quickly realised only by clicking a mouse, so even business personnel also can operate it easily. More importantly, based on the real and rich experience, it has accumulated more than 5000 expert rule bases, covering more than 20 business channels, over 50 transaction types of dynamic or non dynamic accounts and more than 10 fraud risk categories.

Risk Analysis Center It provides various charts and reports based on risk events, so that risk control personnel can better understand the risk situation and continuously improve the risk control ability. It also has a complete set of system functions such as monitoring reports, rules running reports, model monitoring reports and visualization of model results, providing scientific evidence for evolutionary operation of system .

Case Management Center The system's automatic decision-making and manual post analysis are effectively combined to realize the complete closed loop of "task distribute→ preliminary review → double review → archive → form the list of black production".

Scenarios

Anti False Account Opening

Prevent law-breakers of black market from buying a large amount of personal identity information, combining the coding platform and automatic tools of black market, bypassing the existing remote account opening authentication method to open false accounts in batches.
Identity Theft Prevention

Prevent law-breakers of black market from using phishing Trojans to induce users to enter account information or use the password leaked on the Internet to try to log in to mobile banking, thus further stealing users' balance and transaction records.
Prevent Illegal Money Transferring And Credit Card Swiping

Prevent law-breakers of black market from obtaining account information through account takeover, pseudo base station, phishing Trojan virus, modified POS, etc., and then stealing verification code and illegal transfer money.
Anti Money Laundering

Prevent money laundering, such as saving money to different accounts, money laundering through underground banks or investment, gambling on the Internet, and transfer money to overseas.

Features

Visual Rule Design

The structure of rules is atomized into indicators, computation symbols and thresholds. A flexible, free and diversified configuration framework is constructed through on-premise computing methods, index templates, etc., to fit the needs of risk control business.

Graphical Effect Monitoring

Through the risk reflecting interface, fraud correlation map, risk control details and efficiency analysis, the product can help the risk control personnel quickly locate the risk and gain insight into the risk situation, so as to effectively detect fraud and form a lasting confrontation with fraud.

Traceability Of Cases

It supports to independent manage high-risk events that automatically identified and reported by the system, branches and customer service department. Risk events are judged and labeled by human to enrich the knowledge base and provide scientific evidence for continuously optimising the effect of risk control.

Professional Risk Control Rules

Based on the real and rich experience, it has accumulated more than 5000 on-premise expert rule bases, coverning dozens typical kinds of risks, for instance, false account opening, identity theft, illegal money transferring and credit card swiping, cash out fraud, money laundering, econnoisseur, gang fraud.